{"id":2573,"date":"2024-04-01T14:42:21","date_gmt":"2024-04-01T12:42:21","guid":{"rendered":"https:\/\/www.sentinel.za.com\/main\/?page_id=2573"},"modified":"2026-07-07T16:54:30","modified_gmt":"2026-07-07T14:54:30","slug":"two-pot-retirement-system","status":"publish","type":"page","link":"https:\/\/www.sentinel.za.com\/main\/two-pot-retirement-system\/","title":{"rendered":"Two-Pot Retirement System"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2573\" class=\"elementor elementor-2573\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8302054 e-flex e-con-boxed e-con e-parent\" data-id=\"8302054\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4f4a45 elementor-widget elementor-widget-eael-breadcrumbs\" data-id=\"d4f4a45\" 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aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fdf6643 e-flex e-con-boxed e-con e-child\" data-id=\"fdf6643\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c80bd6d elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c80bd6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;lightSpeedIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">An Introduction To<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d01848 animated-slow elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4d01848\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Two-Pot Retirement System<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68dda6c elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"68dda6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Two-Pot system applies to all retirement funds in South Africa, including pension funds, provident funds, retirement annuity funds and preservation funds. The only exception is that certain legacy retirement annuity funds are exempt. This new retirement system comes into effect on <strong>1 September 2024<\/strong>.<\/p><p>This retirement system is a significantly different from the retirement system as we know it today. It is, however, a necessary reform as research shows that more than 90% of South African retirees are unable to maintain their standard of living into retirement due mainly to them accessing retirement savings during their working careers (withdrawing their retirement savings when they change jobs).<\/p><p>The Two-Pot system aims to address this and, over the longer-term due to forced preservation provisions, it is anticipated that retirement outcomes will be improved by around two times, even though members will have access to a portion of their retirement savings annually.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adb00c9 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"adb00c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;lightSpeedIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Two-Pot System<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a2b38c elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8a2b38c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Explained<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b389b7 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-video\" data-id=\"5b389b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=EWAZ01kiCSA&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.sentinel.za.com\\\/main\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/Sentinel-Two-Pot-Retirement-System-Video-Thumbnail.png&quot;,&quot;id&quot;:2872,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" style=\"background-image: url(https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Sentinel-Two-Pot-Retirement-System-Video-Thumbnail.png);\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db4edbc elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"db4edbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;lightSpeedIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How does<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a5739 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a9a5739\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Two-Pot System work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a766d1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8a766d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Two-Pot system, in essence, creates three separate retirement savings components (\u201cpots\u201d) for each retirement fund member on 1 September 2024.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d00e1f elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-eael-adv-tabs\" data-id=\"8d00e1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div data-scroll-on-click=\"no\" data-scroll-speed=\"300\" id=\"eael-advance-tabs-8d00e1f\" class=\"eael-advance-tabs eael-tabs-horizontal eael-tab-auto-active  active-caret-on\" data-tabid=\"8d00e1f\">\n            <div class=\"eael-tabs-nav \">\n                <ul class=\"\" role=\"tablist\">\n                                            <li id=\"the-vested-component\" class=\"active-default eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"the-vested-component-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <p class=\"eael-tab-title title-after-icon\" >The Vested Component<\/p>                                                    <\/li>\n                                            <li id=\"the-savings-component\" class=\" eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"the-savings-component-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <p class=\"eael-tab-title title-after-icon\" >The Savings Component<\/p>                                                    <\/li>\n                                            <li id=\"the-retirement-component\" class=\" eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"the-retirement-component-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <p class=\"eael-tab-title title-after-icon\" >The Retirement Component<\/p>                                                    <\/li>\n                    \n                                  <\/ul>\n            <\/div>\n            \n            <div class=\"eael-tabs-content\">\n\t\t        \n                    <div id=\"the-vested-component-tab\" class=\"clearfix eael-tab-content-item active-default\" data-title-link=\"the-vested-component-tab\">\n\t\t\t\t        <p>Your total accumulated savings balance in the Fund (Fund Credit) on 31 August 2024, the day before the implementation of the new system, is not subject to Two-Pot regulations and your rights in terms of this are protected. This \u201cpot\u201d is known as the Vested Component and will be subject to the same rules and income tax treatment governing retirement fund benefits prior to 1 September 2024.<\/p><p>No contributions can be added to this component after 31 August 2024. However, investment growth will still be earned on this \u201cpot\u201d.<\/p>                    <\/div>\n\t\t        \n                    <div id=\"the-savings-component-tab\" class=\"clearfix eael-tab-content-item \" data-title-link=\"the-savings-component-tab\">\n\t\t\t\t        <p>From 1 September 2024, one third of your monthly contributions to the Fund (your contribution plus your employer\u2019s contribution excluding Risk Cover contributions) will be allocated to the Savings Component together with any investment growth earned on the balance in this \u201cpot\u201d.<br \/><br \/>Members will be allowed, once every tax-year, to withdraw any amount available in the Savings Component, provided the amount is not less than R2,000. A Savings Component withdrawal does not require you to leave your job, and any withdrawal from the Savings Component, prior to retirement, will be taxed at your marginal tax rate (the rate of tax you pay on your normal taxable income) and not the Lump Sum Withdrawal Tax Table.<br \/><br \/>On 1 September 2024, 10% of the amount available in your Vested Component (Fund Credit value on 31 August 2024) will be transferred to your Savings Component, limited to a maximum amount of R30,000 and this transfer is referred to as \u201cseed capital\u201d. This \u201cseed capital\u201d transfer applies to all contributing and paid-up members.<\/p>                    <\/div>\n\t\t        \n                    <div id=\"the-retirement-component-tab\" class=\"clearfix eael-tab-content-item \" data-title-link=\"the-retirement-component-tab\">\n\t\t\t\t        <p>The Retirement Component will also, on 1 September 2024, start with a zero balance as no contributions would have been made into this \u201cpot\u201d. From this date, two thirds of your monthly contributions to the Fund (your contribution plus your employer\u2019s contribution but excluding Risk Cover contributions) will be allocated to this component plus any Investment growth earned on this \u201cpot\u201d.<br \/><br \/>No withdrawal benefit is permitted from this component even if you leave the employment of your employer. The accumulated value of the Retirement Component can only be accessed at retirement in which case it must be utilised to provide a monthly pension (it must be annuitised). However, in the event of your death, this component, together with the Vested Component and Savings Component, form part of the death benefit.<\/p>                    <\/div>\n\t\t                    <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c09cee0 e-flex e-con-boxed e-con e-parent\" data-id=\"c09cee0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68f7fed elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"68f7fed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HOW WILL MY CONTRIBUTIONS BE TREATED <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac39280 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ac39280\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;lightSpeedIn&quot;,&quot;_animation_delay&quot;:800}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">in The Two-Pot System?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c3871c elementor-widget elementor-widget-heading\" data-id=\"8c3871c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">MONTHLY CONTRIBUTIONS<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b87ede0 e-flex e-con-boxed e-con e-child\" data-id=\"b87ede0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76a08d2 e-flex e-con-boxed e-con e-child\" data-id=\"76a08d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e86b7b2 elementor-widget elementor-widget-heading\" data-id=\"e86b7b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1\/3<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62cfff4 elementor-widget elementor-widget-image\" data-id=\"62cfff4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"504\" height=\"442\" src=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Savings-Component-Nest.png\" class=\"attachment-full size-full wp-image-2617\" alt=\"Savings Component Nest\" srcset=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Savings-Component-Nest.png 504w, https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Savings-Component-Nest-300x263.png 300w\" sizes=\"(max-width: 504px) 100vw, 504px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-709544e elementor-widget elementor-widget-heading\" data-id=\"709544e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Savings<br>\nComponent<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2999ba6 e-flex e-con-boxed e-con e-child\" data-id=\"2999ba6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8acbaa1 elementor-widget elementor-widget-heading\" data-id=\"8acbaa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2\/3<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9a0dc4 elementor-widget elementor-widget-image\" data-id=\"e9a0dc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"504\" height=\"442\" src=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Retirement-Component-Nest.png\" class=\"attachment-full size-full wp-image-2619\" alt=\"Retirement Component Nest\" srcset=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Retirement-Component-Nest.png 504w, https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Retirement-Component-Nest-300x263.png 300w\" sizes=\"(max-width: 504px) 100vw, 504px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-131ba4d elementor-widget elementor-widget-heading\" data-id=\"131ba4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Retirement<br>\nComponent<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1929785 e-flex e-con-boxed e-con e-child\" data-id=\"1929785\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3cd00e elementor-widget elementor-widget-heading\" data-id=\"c3cd00e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">No contributions allowed<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b54932 elementor-widget elementor-widget-image\" data-id=\"2b54932\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"504\" height=\"442\" src=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Vested-Component-Nest.png\" class=\"attachment-full size-full wp-image-2620\" alt=\"Vested Component Nest\" srcset=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Vested-Component-Nest.png 504w, https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Vested-Component-Nest-300x263.png 300w\" sizes=\"(max-width: 504px) 100vw, 504px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3023760 elementor-widget elementor-widget-heading\" data-id=\"3023760\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Vested<br>\nComponent<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc912ec e-flex e-con-boxed e-con e-child\" data-id=\"fc912ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f19e3fb animated-slow elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f19e3fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WHAT ARE MY OPTIONS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b494ab elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4b494ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;lightSpeedIn&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">when I reach retirement age?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09f32c8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"09f32c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Members may retire in the Fund at their Normal Retirement Age (NRA), or up to 10 years prior to this date provided they have reached age 50. They may also retire on any chosen later date, even if this date extends beyond their NRA. The following applies to each Two-Pot component at retirement date:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bbf72f elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2bbf72f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>VESTED COMPONENT<\/strong><\/p><p>You may apply for up to a maximum one-third lump sum (of the balance in this \u201cpot\u201d at retirement date) and the remaining balance is transferred to the Retirement Component to be utilised to provide for a monthly pension (annuitised). Once you have reached NRA, no cash withdrawals are allowed and you must annuitise the minimum two-thirds value, even if you elect to transfer your retirement savings to another approved fund.<\/p><p>Any lump sum elected at retirement from this component is taxed in terms of the Retirement Lump Sum tax table meaning that the first R550,000 may be tax-free.<\/p><p><strong>SAVINGS COMPONENT<\/strong><\/p><p>The balance in this \u201cpot\u201d on retirement can be withdrawn as a lump sum or be moved to the Retirement Component to increase the amount available to provide for a monthly pension. The amount taken in cash from the Savings Component on retirement will be taxed using the Retirement Lump Sum tax table.<\/p><p>In simple terms, the lump sum amount selected from the Vested Component and the lump sum amount selected from the Savings Component are added together at retirement, to determine the tax payable in terms of the Retirement Lump Sum tax table.<\/p><p><strong>RETIREMENT COMPONENT<\/strong><\/p><p>The full amount available at retirement in this \u201cpot\u201d must be utilised to provide for a monthly pension. Your monthly pension will, therefore, be based on the capital value available in the Retirement Component, plus a minimum two-thirds of the capital value available in the Vested Component (the amount after a maximum one-third lump sum has been selected), plus any amount available in the Savings Component (any balance not withdrawn).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-131f237 e-flex e-con-boxed e-con e-parent\" data-id=\"131f237\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c2c44b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0c2c44b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HOW WILL MY SAVINGS <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3557ebb elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3557ebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;lightSpeedIn&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">in The Various Components<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de1eb01 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"de1eb01\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:1500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Be invested?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84191f4 e-flex e-con-boxed e-con e-child\" data-id=\"84191f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed4ce6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6ed4ce6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Each component will be invested per the Sentinel Life Stage Model or your selected Member Investment Choice portfolios with investment growth being allocated to each component accordingly. Investment options will not apply to individual components but rather to your retirement savings across all components.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a58c5a elementor-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"4a58c5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2026\/06\/Member-Investment-Choice-Brochure.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Investments<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f45653a e-flex e-con-boxed e-con e-child\" data-id=\"f45653a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1ae7b elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4e1ae7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;lightSpeedIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Important Two-Pot<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bd3a9f animated-slow elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0bd3a9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">System Considerations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61505c5 e-flex e-con-boxed e-con e-parent\" data-id=\"61505c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-283b5c2 e-flex e-con-boxed e-con e-child\" data-id=\"283b5c2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d1e23e elementor-widget elementor-widget-eael-adv-tabs\" data-id=\"2d1e23e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div data-scroll-on-click=\"no\" data-scroll-speed=\"300\" id=\"eael-advance-tabs-2d1e23e\" class=\"eael-advance-tabs eael-tabs-horizontal eael-tab-auto-active  active-caret-on\" data-tabid=\"2d1e23e\">\n            <div class=\"eael-tabs-nav \">\n                <ul class=\"\" role=\"tablist\">\n                                            <li id=\"withdrawalsbrfrom-the-savingsbrcomponent\" class=\"active-default eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"withdrawalsbrfrom-the-savingsbrcomponent-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <h2 class=\"eael-tab-title title-after-icon\" >Withdrawals<br>From The Savings<br>Component<\/h2>                                                    <\/li>\n                                            <li id=\"divorce-claimsbr-housing-loanbrguarantees\" class=\" eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"divorce-claimsbr-housing-loanbrguarantees-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <h2 class=\"eael-tab-title title-after-icon\" >Divorce Claims<br>&amp; Housing Loan<br>Guarantees<\/h2>                                                    <\/li>\n                    \n                                  <\/ul>\n            <\/div>\n            \n            <div class=\"eael-tabs-content\">\n\t\t        \n                    <div id=\"withdrawalsbrfrom-the-savingsbrcomponent-tab\" class=\"clearfix eael-tab-content-item active-default\" data-title-link=\"withdrawalsbrfrom-the-savingsbrcomponent-tab\">\n\t\t\t\t        <style>.elementor-2685 .elementor-element.elementor-element-2f05b970{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--margin-top:10px;--margin-bottom:10px;--margin-left:10px;--margin-right:10px;--padding-top:75px;--padding-bottom:75px;--padding-left:75px;--padding-right:75px;}.elementor-2685 .elementor-element.elementor-element-2f05b970:not(.elementor-motion-effects-element-type-background), .elementor-2685 .elementor-element.elementor-element-2f05b970 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-ed344ce );}.elementor-widget-text-editor{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:var( --e-global-color-primary );}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap, .elementor-widget-text-editor.elementor-drop-cap-view-default .elementor-drop-cap{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-2685 .elementor-element.elementor-element-87c1ee3{font-family:\"Museo Sans\", Sans-serif;font-size:14px;font-weight:500;line-height:20px;color:var( --e-global-color-primary );}@media(max-width:1024px){.elementor-2685 .elementor-element.elementor-element-2f05b970{--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:35px;--padding-bottom:35px;--padding-left:35px;--padding-right:35px;}}@media(max-width:767px){.elementor-2685 .elementor-element.elementor-element-2f05b970{--padding-top:35px;--padding-bottom:35px;--padding-left:35px;--padding-right:35px;}}\/* Start Custom Fonts CSS *\/@font-face {\n\tfont-family: 'Museo Sans';\n\tfont-style: normal;\n\tfont-weight: 300;\n\tfont-display: auto;\n\tsrc: url('https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2023\/09\/MuseoSans_300.ttf') format('truetype');\n}\n@font-face {\n\tfont-family: 'Museo Sans';\n\tfont-style: normal;\n\tfont-weight: 500;\n\tfont-display: auto;\n\tsrc: url('https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2023\/09\/MuseoSans_500.ttf') format('truetype');\n}\n@font-face {\n\tfont-family: 'Museo Sans';\n\tfont-style: normal;\n\tfont-weight: 700;\n\tfont-display: auto;\n\tsrc: url('https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2023\/09\/MuseoSans_700.ttf') format('truetype');\n}\n@font-face {\n\tfont-family: 'Museo Sans';\n\tfont-style: normal;\n\tfont-weight: 900;\n\tfont-display: auto;\n\tsrc: url('https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2023\/09\/MuseoSans_900.ttf') format('truetype');\n}\n\/* End Custom Fonts CSS *\/<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2685\" class=\"elementor elementor-2685\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-2f05b970 e-con-full e-flex e-con e-parent\" data-id=\"2f05b970\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87c1ee3 elementor-widget elementor-widget-text-editor\" data-id=\"87c1ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>WILL TAKING A WITHDRAWAL FROM THE SAVINGS COMPONENT IMPACT MY RETIREMENT BENEFITS?<\/p><p>The option to take an annual cash withdrawal from the Savings Component, or withdrawing from the Vested Component when you leave the service of your employer, may seem attractive. However, your responsibility to provide sufficiently for your retirement will be negatively impacted should you make the wrong decision. Accessing your retirement savings early should only be considered as a last resort!<\/p><p>Withdrawing from these savings, even relatively small amounts, will negatively impact you financially, as it will undermine the compounding effect of long-term savings. Withdrawing from the Savings Component will result in you paying higher tax on the amounts withdrawn, and your future retirement provision will be reduced resulting in a lower pension income when you do retire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t                    <\/div>\n\t\t        \n                    <div id=\"divorce-claimsbr-housing-loanbrguarantees-tab\" class=\"clearfix eael-tab-content-item \" data-title-link=\"divorce-claimsbr-housing-loanbrguarantees-tab\">\n\t\t\t\t        <style>.elementor-2667 .elementor-element.elementor-element-3dc03880{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--margin-top:10px;--margin-bottom:10px;--margin-left:10px;--margin-right:10px;--padding-top:75px;--padding-bottom:75px;--padding-left:75px;--padding-right:75px;}.elementor-2667 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.eael-accordion-header.active .fa-toggle{color:var( --e-global-color-4af53b0 );}.elementor-2667 .elementor-element.elementor-element-2895744d .eael-adv-accordion .eael-accordion-list .eael-accordion-header.active .fa-toggle svg{color:var( --e-global-color-4af53b0 );fill:var( --e-global-color-4af53b0 );}.elementor-2667 .elementor-element.elementor-element-2895744d .eael-adv-accordion .eael-accordion-list .eael-accordion-header.active svg.fa-toggle{fill:var( --e-global-color-4af53b0 );}@media(max-width:1024px){.elementor-2667 .elementor-element.elementor-element-3dc03880{--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:35px;--padding-bottom:35px;--padding-left:35px;--padding-right:35px;}.elementor-2667 .elementor-element.elementor-element-2895744d .eael-adv-accordion .eael-accordion-list .eael-accordion-header .eael-accordion-tab-title, \n                .elementor-2667 .elementor-element.elementor-element-2895744d .eael-accordion_media-wrapper .eael-accordion_media-list .eael-accordion_media-content .eael-accordion_media-title{font-size:25px;}}@media(max-width:767px){.elementor-2667 .elementor-element.elementor-element-3dc03880{--padding-top:20px;--padding-bottom:20px;--padding-left:20px;--padding-right:20px;}.elementor-2667 .elementor-element.elementor-element-2895744d .eael-adv-accordion .eael-accordion-list .eael-accordion-header .eael-accordion-tab-title, \n                .elementor-2667 .elementor-element.elementor-element-2895744d .eael-accordion_media-wrapper .eael-accordion_media-list .eael-accordion_media-content .eael-accordion_media-title{font-size:20px;}}\/* Start custom CSS for eael-adv-accordion, class: .elementor-element-2895744d *\/table, td, th {\n  border: none;\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2667\" class=\"elementor elementor-2667\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-3dc03880 e-con-full e-flex e-con e-parent\" data-id=\"3dc03880\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c30ec2d elementor-widget elementor-widget-heading\" data-id=\"c30ec2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">HOW WILL THE TWO-POT SYSTEM IMPACT DIVORCE CLAIMS &amp; HOUSING LOAN GUARANTEES?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2895744d elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"2895744d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-2895744d\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"2895744d\" data-accordion-type=\"toggle\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"trustees\" class=\"elementor-tab-title eael-accordion-header active-default\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-6801\"><h2 class=\"eael-accordion-tab-title\">Divorce<\/h2><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6801\" class=\"eael-accordion-content clearfix active-default\" data-tab=\"1\" aria-labelledby=\"trustees\"><p>The ex-spouse (non-member spouse) remains entitled to a portion of the member&#8217;s Pension Interest, as determined by a valid and enforceable divorce order. Pension Interest will comprise the combined value in the Vested, Savings, and Retirement Components of the specific member. A member is still allowed to withdraw from the Savings Component once a divorce claim has been processed if there is sufficient capital available in this component.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"audit\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-6802\"><h2 class=\"eael-accordion-tab-title\">Housing Loan Guarantees<\/h2><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6802\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"audit\"><p>The amount available for a housing loan guarantee is based on the combined value of all three components. The Fund Rules specify that a maximum of 50% of this combined value may be guaranteed. Where a deduction is required to settle a housing loan for which the Fund has provided a guarantee, this deduction will be taken proportionately from each component.<br \/><br \/>If a housing loan guarantee was provided before a valid divorce or maintenance order was issued, then the amount available for the divorce or maintenance court order is based on the amount remaining after the housing loan guarantee has been taken into account.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t                    <\/div>\n\t\t                    <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c33aedb e-flex e-con-boxed e-con e-parent\" data-id=\"c33aedb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddce70e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ddce70e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HOW DO I APPLY FOR A TWO-POT WITHDRAWAL?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe9c373 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fe9c373\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Applicable application forms will be available on the Fund\u2019s website after the Two-Pot system legislation has been finalised and any changes have been considered and taken into account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35be54e e-flex e-con-boxed e-con e-child\" data-id=\"35be54e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c682c5 elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"4c682c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/www.sentinel.za.com\/main\/repository\/#members\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"84\" height=\"74\" src=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/04\/Two-Pot-Forms-Icon.png\" class=\"attachment-full size-full wp-image-2660\" alt=\"Two-Pot Forms Icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\"><a href=\"https:\/\/www.sentinel.za.com\/main\/repository\/#members\">Two-Pot<br>System Forms<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2096f2d elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"2096f2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/www.sentinel.za.com\/main\/repository\/#members\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"68\" height=\"73\" src=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2023\/09\/Member-forms-icon.png\" class=\"attachment-full size-full wp-image-505\" alt=\"Member forms icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\"><a href=\"https:\/\/www.sentinel.za.com\/main\/repository\/#members\">Two-Pot System<br>Communication<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fade5c elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"0fade5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/sentinel.jotform.com\/241904691297061\" target=\"_blank\" tabindex=\"-1\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"84\" height=\"80\" src=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/08\/Two-pot-Withdrawal-eForm-Icon.webp\" class=\"attachment-full size-full wp-image-3479\" alt=\"Two-pot Withdrawal eForm Icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\"><a href=\"https:\/\/sentinel.jotform.com\/241904691297061\" target=\"_blank\" rel=\"noopener\">eForm<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2612376 elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"2612376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM0ODEiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"84\" height=\"80\" src=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2024\/08\/Two-pot-Whatsapp-Icon.webp\" class=\"attachment-full size-full wp-image-3480\" alt=\"Two-pot Whatsapp Icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\"><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM0ODEiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">WhatsApp<\/a><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9ee9bb e-flex e-con-boxed e-con e-parent\" data-id=\"d9ee9bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22a9adc elementor-widget elementor-widget-template\" data-id=\"22a9adc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"4188\" class=\"elementor elementor-4188\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-654f9a2a e-flex e-con-boxed e-con e-parent\" data-id=\"654f9a2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3776818a e-con-full e-flex e-con e-child\" data-id=\"3776818a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d6ad01 e-con-full e-flex e-con e-child\" data-id=\"2d6ad01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9d5e4 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a9d5e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Empowering you<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23ba51d3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"23ba51d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">To a secure future<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74ae8df8 elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"74ae8df8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;,&quot;_animation_delay&quot;:1000}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.sentinel.za.com\/main\/wp-content\/uploads\/2026\/07\/Sentinel-Retirement-Fund-Investment-Performance-June-2026.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">LATEST INVESTMENT RETURNS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home | Page Innovating your future responsibly Register today Innovating your future responsibly Register today Innovating your future responsibly Register today An Introduction To The Two-Pot Retirement System The Two-Pot system applies to all retirement funds in South Africa, including pension funds, provident funds, retirement annuity funds and preservation funds. The only exception is that [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2660,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2573","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/pages\/2573","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/comments?post=2573"}],"version-history":[{"count":221,"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/pages\/2573\/revisions"}],"predecessor-version":[{"id":5069,"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/pages\/2573\/revisions\/5069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/media\/2660"}],"wp:attachment":[{"href":"https:\/\/www.sentinel.za.com\/main\/wp-json\/wp\/v2\/media?parent=2573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}